Compare Bank & Credit Union Rates
Best 3-year CD rates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1261–1275 of 4,164 results
- Equitable Savings & Loan AssociationSuper SaverCD · 36–47 months · $10,000 min
Bank · Add a location to see nearby branches
3.46%APYRequirements
Offer: Penalty: 12 MO early withdrawal penalty
3.40% interest rate
Rate checked
More details - Dort Financial Credit UnionAMP Certificate of DepositCD · 25–36 months · $100 min
Credit union · Add a location to see nearby branches
3.45%APYRequirements
Offer: Term: 25 months to 36 months.
Rate checked
More details - SIU Credit UnionTerm Share CertificateCD · 30–47 months · $500 min · 3.45%–3.55% by balance
Credit union · Add a location to see nearby branches
3.45%APYRequirements
Product: Membership Share dividends are declared monthly by the Board of Directors. Members can take advantage of our Loyalty Bundle and qualify for an additional rate bump (up to .15%) when they use our SIUCU Credit Card or Checking account. Subject to maturity. Rates discounts not reflected above.
3.40% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Term Share Certificate Balance APY $500 – $50,000Your amount 3.45% $50,000 and up 3.55% Rate checked
More details - Maspeth Federal SavingsCertificate of DepositCD · 36 months · $2,500 min
Bank · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Competitive yields Flexible terms from six months to five years Interest rates compounded continuously on all but the 6-month CD, which earns simple interest. Penalty for early withdrawal. CDs will automatically renew at maturity unless customer chooses otherwise. Minimum balance required to achieve stated APY. Daily balance method.
Offer: Term: 36 months. Interest compounded continuously.
3.35% interest rate · Effective Oct 23, 2026
Rate checked
More details - Fulton BankCertificate of Deposit PromoCD · 36 months · $1,000 min
Bank · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000with conditionsRequirements
Product: Promotional Certificate of Deposit valid for consumers. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal.
Offer: 36 Month Bump Up Promotional CD: The interest rate, APY and if applicable, Preferred Pricing rate bonus may be changed once (and only once) during the initial term of the CD upon written request. No new money may be added when exercising the bump-up option.
Qualified rate · 3.39% interest rate · Effective Oct 23, 2026
Rate checked
More details - Partners Federal Credit UnionStandard CertificateCD · 36 months · $1,000 min
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Minimum to open and earn dividends is $1,000. Members ages 55+ may receive a 0.10% APY dividend increase on new or renewal certificates 24 months or greater.
3.39% interest rate
Rate checked
More details - St. Francis X Federal Credit UnionShare CertificatesCD · 36 months · $500 min · 3.45%–3.70% by balance
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Early withdrawals are subject to penalties. Quarterly dividends. Automatic renewal. Option to transfer certificate dividends into checking or savings account or mailed at no charge. Minimum deposit of $500.
Offer: First Tier APY. Early withdrawals are subject to penalties. All rates are current as of October 23, 2026.
Effective Oct 23, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY Up to $100,000Your amount 3.45% $100,000 and up 3.70% Rate checked
More details - GTE FinancialShare CertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Must be a member of GTE Financial (requires opening and funding a $5 member owner share). No monthly fee. Early withdrawal penalties apply.
3.40% interest rate · Effective Feb 10, 2026
Rate checked
More details - Achieva Credit Union36 month CD "Bump Up" SpecialCD · 36 months · $500 min · 3.45%–3.55% by balance
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000intro rateRequirements
Product: 36 month Bump Up Special. Contains a special rate bump-up feature which allows you to increase the rate to the currently offered 36-month non-promotional rate up to two times prior to maturity should the Credit Union increase the rate offered on its 36-month CD product. This special rate bump-up feature is only applicable during the 36-month term of the promotional CD and will not apply after maturity, even when account proceeds roll into another Credit Union CD unless otherwise disclosed at renewal.
Promotional rate · 3.40% interest rate
Rate by balance
Rate by balance for 36 month CD "Bump Up" Special Balance APY $500 and upYour amount 3.45% $25,000 and up 3.50% $100,000 and up 3.55% Rate checked
More details - Achieva Credit UnionCertificate of Deposit (CD)CD · 36 months · $500 min · 3.45%–3.55% by balance
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Federally insured by NCUA up to $250,000. No monthly fees. A minimum opening balance of $500 is required for all CD products (except promotional specials). Early withdrawal penalty may apply.
3.40% interest rate
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $500 and upYour amount 3.45% $25,000 and up 3.50% $100,000 and up 3.55% Rate checked
More details - DuPont Community Credit UnionCertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Dividends compounded monthly and paid monthly. Early withdrawal penalty: 6 months to 18 months = 3 month dividends whether earned or not; 2 years to 5 years = 6 month dividends whether earned or not. Automatic renewal. Fees may reduce earnings on your accounts. Membership required.
Offer: Early withdrawal penalties may apply (2 years to 5 years = 6 month dividends whether earned or not). Automatic renewal. Fees may reduce earnings.
3.40% interest rate · Compounded monthly · Effective Feb 1, 2022
Rate checked
More details - First Flight Credit UnionShare CertificatesCD · 36 months · $500 min · up to $10,000
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000on balances up to $10,000Requirements
Product: Minimum deposit to open account is $500 for rate tier 1 and $10,000 for rate tier 2. Membership requires purchasing and maintaining at least 1 share ($25.00 par value) in Primary Savings. Early withdrawal penalties apply.
Offer: Term: 36 Months. Opening deposit between $500 – $9,999.99. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply.
3.40% interest rate
Rate checked
More details - Happen BankCertificate of DepositCD · 36 months · $500 min
Bank · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Minimum opening deposit of $500.00; maximum total deposit of $500,000.00 per account. Additional deposits are not permitted during the term outside of the 10-day grace period. Early withdrawal penalties apply: 90 days simple interest for terms of 1 year or less, 180 days simple interest for terms greater than 1 year. Automatically renews at maturity.
3.39% interest rate · Balance cap $500,000 · Effective Oct 21, 2026
Rate checked
More details - Sage Credit UnionIndexed Share CertificateCD · 36 months · $3,000 min
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000Requirements
Product: Variable rate certificate; rates fluctuate with Federal Reserve Interest Rate on Reserve Balances (IORB) and may change on the 1st of each month. Funds must remain on deposit for 10 days before additional deposits and withdrawals are allowed. Must be eligible for membership and maintain at least $5.00 in Membership Savings Account. Early withdrawal penalty may apply. Rate capped at 10.00% maximum.
Offer: Indexed Share Certificate – 3: 36 month term. Dividend rate is determined by subtracting 0.50% from Federal Reserve IORB. Minimum floor rate 0.30%, maximum ceiling rate 10.00%. Additional deposits allowed after 10 days, minimum $300.00 each. Withdrawals must be at least $3,000.00.
3.40% interest rate · Balance cap $2,000,000 · Effective Oct 1, 2026
Rate checked
More details - Mass Bay Credit UnionCertificatesCD · 36 months · $500 min
Credit union · Add a location to see nearby branches
3.45%APY$1,071 over 36 months on $10,000intro rateRequirements
Product: Subject to membership eligibility. Early withdrawal penalty may apply. Maximum deposit $250,000 per member. Fees may reduce earnings. Rates are subject to change without notice.
Offer: Minimum average daily balance to earn APY is $500. Early withdrawal penalty may apply. $250,000 maximum deposit per Member.
Promotional rate · Balance cap $250,000 · Effective Oct 16, 2026
Rate checked
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What 3-year CDs pay nationwide
4,164 CDs at 3,670 banks and credit unions · checked Oct 22–25
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.15%
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